Good Sam Insurance Agency ??

[tstillman]

Originally Posted by Bosco100

Hartford through AARP was half price of all I checked $652 yr

We purchased AARP-Hartford RV replacement insurance on our 2002 Class A 40 Beaver coach. All was fine until 2007 when we lost the coach to an engine fire.

We contacted our agent (located at a local Camping World). He processed the claim until home office determined we didn't have replacement coverage.

Policy said:
1. If loss occurred within 5 years of manufacture coach to be replaced with a NEW comparable middle.
2. If beyond the 5 year limit owner will be reimbursed the purchase price.

After reversal more paragraphs defining limited it said: Or at our discretion we will use current market value.

Bottom line our agent misrepresented the details of our coverage to make a sale beating out current vendors coverage price.

We ended up $50,000 short to just payoff our financed loan, let alone replace our RV.

I'll leave you with this warning: Buyer beware.

[I-RV]

Not saying that my insurance is the best; just like to add useful information for all.

My insurance required the motorhome's MSRP, not the selling price. So for $259,000, my insurance with National Interstate is $1,600 per year.

One nice thing about NI is that the deductible responsibility is reduced 25% per year for no claims. My deductible is now $0.

[5456Mich]

Originally Posted by I-RV

Not saying that my insurance is the best; just like to add useful information for all.

My insurance required the motorhome's MSRP, not the selling price. So for $259,000, my insurance with National Interstate is $1,600 per year.

One nice thing about NI is that the deductible responsibility is reduced 25% per year for no claims. My deductible is now $0.

What will they do if you had a total loss ? Replace with a brand new coach, or pay you the Nada value of coach at time of loss ? Just curious.

[Tiggerdad]

Insurance companies can be confusing. National Interstate vs. National General, etc. I have been with and just renewed with National General for several years and they are the insurer for National General. First rig was insured by National Interstate.


Comparing coverage can also be confusing. I searched on line with all of the above mentioned companies and a few more. Be sure that when getting quotes that the deductibles and coverage are the same. Geico wouldn't give me a quote unless I moved my car insurance to them. Would have saved over $100/year but splitting my vehicle from home insurance would have raised my house insurance. One must look at the overall packages AND each state has different rates.

[15berkxl]

On my previous MH I had Progressive paying $2414/year. With my Berk same coverage with Allied/Nationwide paying $1080/year.


Wayne

[bailer6334]

I have Allied/Nationwide for all insurance (house, 2 vehicles, TT & umbrella). I do check yearly with the others mentioned and while the rates are competitive with current insurer, not enough of a saving to warrant a change for me. When I insured my TT they required a copy of the sales agreement.

[15berkxl]

Originally Posted by bailer6334

I have Allied/Nationwide for all insurance (house, 2 vehicles, TT & umbrella). I do check yearly with the others mentioned and while the rates are competitive with current insurer, not enough of a saving to warrant a change for me. When I insured my TT they required a copy of the sales agreement.

I think that is common because of the replacement coverage.


Wayne

[Tiggerdad]

Originally Posted by Tiggerdad

Insurance companies can be confusing. National Interstate vs. National General, etc. I have been with and just renewed with National General for several years and they are the insurer for National General. First rig was insured by National Interstate.

Comparing coverage can also be confusing. I searched on line with all of the above mentioned companies and a few more. Be sure that when getting quotes that the deductibles and coverage are the same. Geico wouldn't give me a quote unless I moved my car insurance to them. Would have saved over $100/year but splitting my vehicle from home insurance would have raised my house insurance. One must look at the overall packages AND each state has different rates.

(This should have read National Interstate is the insurer for Good Sam ).